With this issue coming up on the ballot in November, I was wondering if anyone in Ohio has started to assess the risks that this may pose to their institutions. If you have what processes have you revamped to eliminate some of the potential problems associated with this? I am currently reading through the Cole Memo and trying to update forms, etc. that could catch potential problems at account opening, and for existing customers if it would happen to pass. Does anyone have any comments or suggestions on areas to concentrate on or that may be overlooked?